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Monitoring Your Credit ReportItems Needed
Copies of OKMM’s • Your Money Matters: An Adult’s
Guide to Personal Finance for each student
Copies of OKMM’s sample credit report•
Two highlighters or ink pens (different colors)• Opening Activity/Dialogue
How do you feel about using credit? •
Why does your credit history matter?• Content
The answers you receive in the opening dialogue will tell you a lot about how your students view and value credit as a financial tool. Many students only think of credit cards when asked about their opinion of credit. Others look at credit as an easy way to buy more and have more. However, there’s more to consumer credit than credit cards and purchasing power.
Despite how they feel about this often misused financial tool, through this lesson you’ll show your students that:
your credit report is similar to a report card; it “grades” your ability to handle credit. •
your credit history affects more than your ability to purchase a car or home. •
Use the content and resources on pages 12 and 13 of the adult Your Money Matters guide to educate your students about the basics of managing and monitoring their credit. You may want to ask your students to read the information on these pages and be prepared to discuss the following questions:
Are you afraid of what you might find on your credit report?•
If you’ve never checked your credit report before, what’s holding you back?•
Why do many experts recommend viewing your report annually or biannually?•
What can you do if there are errors on your credit report?•

Monitoring Your Credit ReportItems Needed
Copies of OKMM’s • Your Money Matters: An Adult’s
Guide to Personal Finance for each student
Copies of OKMM’s sample credit report•
Two highlighters or ink pens (different colors)• Opening Activity/Dialogue
How do you feel about using credit? •
Why does your credit history matter?• Content
The answers you receive in the opening dialogue will tell you a lot about how your students view and value credit as a financial tool. Many students only think of credit cards when asked about their opinion of credit. Others look at credit as an easy way to buy more and have more. However, there’s more to consumer credit than credit cards and purchasing power.
Despite how they feel about this often misused financial tool, through this lesson you’ll show your students that:
your credit report is similar to a report card; it “grades” your ability to handle credit. •
your credit history affects more than your ability to purchase a car or home. •
Use the content and resources on pages 12 and 13 of the adult Your Money Matters guide to educate your students about the basics of managing and monitoring their credit. You may want to ask your students to read the information on these pages and be prepared to discuss the following questions:
Are you afraid of what you might find on your credit report?•
If you’ve never checked your credit report before, what’s holding you back?•
Why do many experts recommend viewing your report annually or biannually?•
What can you do if there are errors on your credit report?•